Call reports 2026
WILLIAMSVILLE STATE BANK AND TRUST — 2026
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 92,198,000 | 93,810,000 |
| Total loans | 25,428,000 | 24,443,000 |
| Allowance for loan losses | 198,000 | 189,000 |
| Securities available for sale | 40,476,000 | 38,858,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 81,179,000 | 83,018,000 |
| Interest-bearing deposits | 57,264,000 | 60,741,000 |
| Noninterest-bearing deposits | 23,915,000 | 22,277,000 |
| Equity capital | 10,476,000 | 10,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 807,000 | 1,621,000 |
| Interest expense | 168,000 | 343,000 |
| Net interest income | 639,000 | 1,278,000 |
| Noninterest income | 28,000 | 79,000 |
| Noninterest expense | 591,000 | 1,427,000 |
| Provision for loan losses | -60,000 | -69,000 |
| Pretax income | 135,000 | -3,000 |
| Income tax | 22,000 | 11,000 |
| Net income | 113,000 | -14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 13,576,000 | 13,386,000 |
| Total capital | 13,774,000 | 13,575,000 |
| Risk-weighted assets | 33,564,000 | 33,435,000 |